Tony Mudd

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Tony Mudd: Advisers are stifling protection innovation

The biggest reason new concepts are not being brought to market is a lack of confidence that advisers will change their behaviour. Having started life in the financial services industry as a clerk for one of the largest life assurance companies in the UK, protection has always been my first love. Unfortunately, it only takes […]

Tony Mudd: The critical reviews being missed by advisers

Protection plans should be treated with the same ongoing care as investment and pensions advice How many advisers write investment and pension business and then ignore it – never reviewing continuing suitability, changing client attitude to risk or underlining fund performance? Hopefully not many. It would be an easy way to lose the confidence of […]

Tony Mudd: Are clients at risk of HMRC trust reporting penalties?

A worrying 75 per cent of lifetime trusts have yet to file required IHT returns in respect of the periodic charge The Finance Act 2006 must still be one of the most significant in memory for advisers operating in the estate planning market. Without warning, the government introduced sweeping changes to the way in which […]

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Tony Mudd: Protection pariah Aviva didn’t deserve the flak

The provider was under unfair pressure to drop critical illness cover from its relevant life policy “There is many a slip twixt the cup and lip”, so goes the old proverb. Whether you favour the English version “don’t count your chickens before they hatch” or the version attributed to Greek anthology meaning “many bad things […]

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Tony Mudd: New guidance on gifting misses crucial component

The update fails to address the concerns around business relief investments in IHT planning strategies The Government Office of the Public Guardian last month updated its guidance on giving gifts. Most advisers, and certainly those operating in the estate planning market, will be well aware of the rules and limitations faced by attorneys when considering […]

How advisers can compete on value over price

The question to be answered is how can advisers compete on value over price in a way that is in the best interest of their clients. While it is normal for me to use this space to discuss a variety of topical technical matters, I do not live in a technical vacuum. Like advisers, I […]